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Secured Loan Of $108000 For Terrible Credit Ohio Resident

$108000 Secured Loan – Coshocton Ohio, Credit Score Of 333

  • Experian: 346 – This individual had a terrible Experian score
  • Transunion: 316 – Celestine had a terrible credit rating with Transunion.
  • Equifax: Celestine’s Experian score was 333, which is a terrible credit score on the Experian system.
Client Profile: Celestine Jarosz of Coshocton, Ohio
  • Full name (Changed if requested): Celestine Jarosz
  • Current Credit: loans.hit.utils.Fico@2e5d6d97
  • Current City: Coshocton
  • State: Ohio
  • Zip code: 43818
  • Yearly income: $37,000
  • Current Job: intelligence specialist
  • Current County: Coshocton
  • Goal Yearly Income: $148,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Celestine’s Transunion score was changed by the secured loan loan, changing to 316 from 333, which is normal in our experience.

Transunion Score: 316

Before applying for this secured loan, Celestine had an Experian score of 346, which is terrible, so THE HOME LOAN SAVINGS BANK probably cannot provide Celestine a secured loan

Experian Score: 346

Installment loan for Celestine, a graduate of Butler County Community College and an intelligence specialist working for over $77,000 per year

Celestine, an alumnus at Butler County Community College and an intelligence specialist in Coshocton, Ohio wants a secured loan to purchase something frivolous. Celestine has instead decided to get an installment loan for $21,000 and is currently seeking lenders like The Fifth Third Bank to process their request.

Celestine’s Overall FICO score at the time of acceptance for a secured loan, taking into account their intelligence specialist job and their future job as an animation cartoonist

Fico Score: 333

Celestine was not approved by The Vinton Banking Company 7 times before being granted funding by THE HOME LOAN SAVINGS BANK at 413 Main Street

On August 14, 2012, Celestine applied about borrowing $34,000 from The Commercial and Savings Bank Company with Kiersten, their friend from just outside Coshocton, and even with the co-signer, Celestine was rejected for this secured loan. With terrible credit, it can be challenging to procure financing, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Celestine for this secured loan of $108000, provided by THE HOME LOAN SAVINGS BANK

Hello, I am Celestine and I’m from Coshocton in Ohio. Coshocton, county is where I grew up, and now I need a secured loan in Ohio for $108000 to renovate my home. It wasn’t easy, but THE HOME LOAN SAVINGS BANK really came through for me with this loan for 11.1% interest APR and a term of 11 years. I can repay the loan over the 11 year term, including interest. A big thanks to THE HOME LOAN SAVINGS BANK for trusting me and my terrible credit. It look me 5 years to build my credit to 333, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.

Contact Details for THE HOME LOAN SAVINGS BANK, the provider of this secured loan

  • THE HOME LOAN SAVINGS BANK
  • City: Coshocton
  • State: Ohio
  • Address: 413 Main Street
  • County: Coshocton
  • Zip code: 43812

9 Months Ago, Celestine Tried Finding a High Risk Loan for $33,000.00, and it was Easy

There is an well known struggle for clients to find high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Celestine. Celestine chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Borrowers with credit scores as low as 541 can apply for a high risk loan and may be be accepted.

Previous requests on Celestine’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$33140.00 8 11.7% $533.17 The Vinton Banking Company April 5, 2009
$33340.00 11 5.8% $342.25 The Ohio Valley Bank Company July 15, 2013
$33340.00 5 9.7% $703.47 The Citizens Bank February 4, 2014
$33110.00 8 10.5% $511.22 The Peoples Bank September 2, 2014

Signature Loan easily acquired in Coshocton, Ohio for $108000 with terrible credit by Celestine

Many prospective borrowers have difficulty with obtaining signature loans in Coshocton, Ohio, and Celestine is no different. Celestine went to 4 lending institutions or more prior to finding THE HOME LOAN SAVINGS BANK, who offered Celestine a signature loan for $108000. Typical signature loans simply need a client, like Celestine’s signature to get them, up to $31,000 in some cases. Celestine was able to get $108000 as a secured loan, which is very high for a secured loan. Since signature loans do not need a cosigner, they tend to need higher credit, as high as 788

Debt Consolidation Will Assist Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans vary from $23,000.00 to $44,000.00. They are typically used to pay off existing high interest loans like credit cards. Celestine needed a debt consolidation loan to pay for their existing secured loan and their credit card. Celestine was able to find a secured loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 2.2%.

Personal Loan for an intelligence specialist named Celestine in Coshocton, Ohio to Pay Off Fidelity Investment Rewards Visa Signature Card

Celestine had a tonne of credit card debt on their First Hawaiian Bank Priority Destinations World MasterCard and their Pacific Sunwear PacSun Credit Card, and they were starting to get in over their heads. Despite Celestine’s job as an intelligence specialist, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Celestine has a disappointing current yearly income, but has several of prospects

Celestine has always wanted to be an animation cartoonist, but would need attend Butler County Community College again to achieve it. Celestine has other prospects as well, including park naturalist, military analyst, and farm equipment mechanic, which pay $58,000 through to $103,000 per year, at least. For this reason, we believe that Celestine can afford this secured loan of $108000.

Fast Loans for Celestine in Coshocton, Ohio to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Coshocton, Ohio aren’t actually that difficult to obtain, particularly if you have some gumption like Celestine. Celestine was able to find a fast loan for $108000 from The Liberty State Bank and First National Bank of Middletown, but declined both offers in favor of their secured loan from THE HOME LOAN SAVINGS BANK. The difference with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. An improvement if a borrower is on the go.

When Celestine was 22, they attempted to obtain a student loan from 6 alternate lenders, which damaged their credit score. Below is a list of Celestine’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $33,000.00 on June 4, 2010
  • Attempt 2) Loan for $27,000.00 on January 27, 2011
  • Attempt 3) Loan for $27,000.00 on November 1, 2013
  • Attempt 4) Loan for $30,000.00 on October 26, 2009
  • Attempt 5) Loan for $26,000.00 on April 25, 2009
  • Attempt 6) Loan for $28,000.00 on May 11, 2011

Several previous requests for credit have been made by Celestine in the past, including one from Padre Federal Savings and Loan Association in Coshocton, Ohio before Celestine was accepted for the $108000 by THE HOME LOAN SAVINGS BANK

Celestine made 8 previous attempts to obtain a secured loan, 2 of which were with Padre Federal Savings and Loan Association, a lender in Coshocton, Ohio known to specialize in secured loans specifically. Before finding THE HOME LOAN SAVINGS BANK, Celestine was concerned due to their inexperience and terrible credit rating.

Conclusion of Celestine’s secured loan

In the end, Celestine was able to find a secured loan for $108000 with an interest rate of 6.1% interest APR from THE HOME LOAN SAVINGS BANK in Coshocton, Ohio repayable over 11 years from now.

Will Alexander

Will Alexander has over 10 years of experience as a financial expert and writer. The goal of his work is to assist the people of Texas in finding loans for lower interest rates than they thought were possible. Will specializes in bad credit loans.

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Names of borrowers and lenders have been modified, substituted, or fictionalized for search and privacy purposes. Information presented here is for entertainment purposes only and should not be interpreted as the truth.